Abstract: A security token is used to dynamically create a user account on a host computer system. The token preferably is programmed with a user's credentials which includes information regarding the user account and security data. Once programmed, the token then can be inserted into a host computer. The user verifies himself or herself to the host computer/token and the token verifies itself to the host computer. Once verified, the user's credentials stored on the token are accessed to dynamically create the user account on the host system. The token may comprise a smart card, USB-compatible memory device, and the like. Storage media, such as floppy disks, also can be used if fewer security features are acceptable.